1I bought the Canon zoom STM lens recently, and used it a couple of times indoors and just yesterday took it outside. Then I noticed a little dot , or what it seems like dust (the actual size might be a fraction of a mm). I cleaned the front of the lens and the viewfinder, but the dot remained. I examined it more closely and it seems to me it's a tiny chip . at the 55mm mark lens part.
Should I made use of the lens' warranty assuming the 'tiny chip' is from manufacturers. What about if the 'little chip' seems to be a misuse cause and be requested to pay for the fixing. Should it be worth paying considering pictures quality is not affected (well, no as yet)? If decided to keep using the lens with the assumed 'chip' how long could it take before that tiny chip could break up to cause major damage beyond repair? Many thanks in advance for your answers.